About Brandon Roberts

Brandon Roberts has been a member since April 19th 2012, and has created 310 posts from scratch.

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IPB 086: You’re Focusing on the Wrong Thing


Following up our episode from last week where we discussed how an indexed universal life (IUL) policy would have fared over the last 10 years, we thought it would be interesting to dig into THE most powerful aspect of IUL in our opinion–years when the market index has a negative return.

This is something we've talked about briefly in the past and we received some criticism. See, in every IUL contract there is some sort of floor for the years where the market index has a negative return. The floor can range from 0-2%–most contracts being offered today are at 0%.

So, in a year like 2008 where the market has a negative return, the worst you'd do is stay flat as it relates to the cash value of your IUL contract.

However, some have come along to point out that while this is true, you could still have a decline in your cash value due to policy expenses and cost of insurance. And technically that is true.

Yes, there is a cost for any type of insurance and I mean that in every possible context.

Our point in today's episode is that if you focus too much on that cost–you're missing the boat. You're focused on the wrong thing.



IPB 085: Double Your Money in 10 Short Years


If you'd invested at the very top of the last market cycle–October 9, 2007, you'd now have slightly more than doubled that investment (according to the Wall Street Journal) despite the vomit-inducing period of the next few years where you watched your money cut in half.

That's all fine but when I saw that mentioned as a sort of passing statement in the WSJ article, I immediately thought…

I wonder how an indexed universal life insurance policy (given the same parameters of a lump sum dump in) would have fared during the same time frame?

So…we punched up the numbers to find out.

If you're curious…listen to the full episode to hear the result.


IPB 084: Yes, You Need a Forced Savings Plan


It's not uncommon for people to refer to whole life insurance as a “forced savings plan” or at least it was common back when we started out in the industry. Sounds like a bad thing but is it really?

Sounds like a bad thing but is it really?

We've seen some data that indicates something north of 95% of Americans are weeks away from financial ruin. If they were to miss a paycheck or two, the fit hits the shan…know what I mean?

Now, “north of 95%” isn't any sort of hard data. But who cares? I think we all know it's way more than 50% and that's tragic.

We all need a plan, an accountability buddy or whatever you wanna call it that isn't influenced by human emotion. We all need a mechanical way of putting money away that isn't gonna cut you any slack because you're having a bad day.

We gotta save regularly and most of us (pointing at myself) should be pushing the limits of what we think is possible. 10% is a joke, we should be thinking more in the 50% range if we're really serious.

Do you have at least a year's of monthly expenses put away?

I'm not talking about your 401k.

The 4% (or whatever that number is) that are crushing it financially have a system, do you really believe your superior?  Can you afford to argue with the results?

If you put away too much…what's the downside?

I'm sure you're all wondering, what's any of this have to do with life insurance?

Well, I suggest you listen to this episode to find out.

IPB 083: Are Whole Life and Universal Life Insurance Interchangeable?


I know that all of our listeners are teeming with excitement as they see us release a new episode. We figured that if we gave it the ole college try, we could produce two episodes of the podcast for the month of September. One of us (Brantley) decided to move so we'll blame our lack of new episodes on that this time.

But in all seriousness, it's good to back.

In episode 83, we're discussing whole life and universal life in a bit of a different way than we have before. So many companies and brokerages that we speak with really seem to believe that the two products (WL and UL) are totally interchangeable.

Taken a step further, there seems to be some consensus that it's really just a matter of preference. And in some cases that's not far from true.

However, there are instances when one is clearly the winner over the other and there are yet other times where circumstances dictate which of the two will be a better fit.

If that sounds interesting to you, listen to the entire episode.

Good news for everyone, we've already planned our next episode, so you can plan on that for next week.

And as always, if you'd like help with your questions, use this page to reach out to us.


IPB 082: What Does the Equifax Breach Mean for Life Insurance?


Last week, Equifax, the largest credit reporting company, reported a major breach of its core database. It is by far the largest hack of its kind to date and is estimated to have impacted more than half of the U.S. population–more than 143 million people's records were accessed.

By now, most of you have heard all about this from every other news source on the planet, however, what does it mean for life insurance applications? Will there be any sort of fallout over this for life insurance?

We weigh in with our thoughts in episode 82.


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